With interest rates near a record low and you are considering refinancing your mortgage, You want to look at both rates and closings costs before making the decision to proceed forward. If you owe more than the home is worth and have been unable to refinace, I may be able to pay the closing costs for you and use one of the streamline refinancing programs that are available.

Do your shopping and then give me a phone call and let me see if I can save you money on your refinace (or purchase).